Your Trusted Mortgage
Lender in Tustin and
Nationwide

Tim M.
“My wife and I recently found ourselves in a situation where we stumbled onto the home of our dreams, but the seller needed a 30 day escrow. We weren't really planning on moving, but we knew that in this tough housing market we needed to move fast or we would miss out on this opportunity. We quickly put in an offer and it was accepted. With all this happening so fast, we knew that we would need to find a dependable lender that would not only get our funding in place quickly, but would also get us the best rate.

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Welcome to Express Capital

Buying a home is one of the pivotal financial decisions in your life. As you explore your lending options, you deserve personalized guidance from a mortgage company that puts your interests first.

Express Capital serves homebuyers and homeowners in Tustin, California, and throughout the US.

Our more than 75 combined years of experience gives us the expertise to connect you with the ideal home loan, no matter your scenario.



75

Years combined
mortgage experience

12

Amazing employees

1k+

Home purchases

100%

Happy clients

Understanding the Loan Process

Simple Steps to Pre-Approval which is extremely valuable in the competitive market

Schedule A Consultation

Develop A Mortgage Plan with your Consultant

Apply For Pre-Approval

Express Capital Loan Process

Big Bank Funding. Personalized Small Business Service.

Why work with Express Capital?

More than 75 combined years of experience mean there is no loan scenario we have yet to encounter. Whatever your situation, you can find a mortgage that will serve your needs.

Get answers to all of your questions about home loans. Educating homebuyers and homeowners is one of our favorite parts of what we do. It is important to us to make sure each customer is making the decision that will maximize the return on their investment in their home.

As a direct lender and a broker, we have a “best of both worlds” approach. You will receive access to the widest range of loan products along with competitive rates.

You can reach us at all hours. We work hard to communicate responsively and transparently with you throughout the lending process.

Free Mortgage Checklist to
help you get started.

Top Tips for Home Buyers

Over 7 pages Of AMAZING info that will change the way you look at Home Buying! Based on real world examples from our mortgage experts.

Home Buying Checklist

Tips to Refinance Your Home

Over 7 pages Of AMAZING info that will change the way you look at Cash Out Mortgage Refinancing! Based on real world examples from our mortgage experts.

Refinance Checklist

See What Our Clients Are Saying About Us!

Arlene A.
Arlene A.
21:32 22 Aug 22
Christina is amazing at her task. She goes above and beyond to assist you in getting your loan approved! She is always available to answer any questions, even if they seemed insignificant. I am truly thankful that she was able to help me reach one of my goals in life... that is to be a homeowner! I could not be happier with her services. I would definitely recommend her to anyone with no hesitation.
Clarissa
Clarissa
03:33 19 Aug 22
Christina gave us an amazing customer service experience. My husband and I are very thankful for her help in getting a home equity line of credit. She’s very thorough and helpful!!!! Thank you again 🙏🏼
bonnie C.
bonnie C.
20:13 18 Jul 22
I would like to give a shout out to Nate Bryant !!Thank you so much for all you have done for my husband and myself.Nate is very knowledgeable and is always willing to answer our questions. He made the process of refinancing our home easy and worry free. I would recommend him to family and friends, and I have !!He has helped my daughter and my son on refinancing of their homes.Sincerely,Bonnie & Adam Chabarria
Vanessa J.
Vanessa J.
20:01 15 Jul 22
Wonderful experience. Extremely helpful and always available for questions. They take the time to give the best customer service to meet your needs. I recommend Express Capital for top notch service and results.
crystina C.
crystina C.
16:44 14 Jul 22
Absolutely the best customer experience I have ever experienced. They explained everything in a way I would understand and was always able to answer my calls and return my emails very quickly. The fastest I have ever moved on a refinance. Highly recommend this company between their knowledge, communication skills and excellent pricing you can not go wrong here. I personally worked with Jason G and he was amazing. I will continue to go through this company in my future purchases.
Jenna F.
Jenna F.
19:11 08 Jul 22
I am a Realtor, and Nate and his team (Heather) were able to assist my clients and meet all the deadlines and demands in our contract with short notice. Communication was great along the way and I wish all my clients had lenders like them. They were on top of everything!
Zachary G.
Zachary G.
18:14 29 Jun 22
I've known Jason for a number of years so when it came time to find a lender for our first home purchase it was an easy decision. Jason is kind, knowledgable and available to answer all of your home buying questions from start to finish. His calm demeanor made the entire home buying process effortless and dare I say, easy. Seriously, he's the best. Thanks Jason!!!
David P.
David P.
16:00 24 Jun 22
Excellent all-around. Was prompt, helpful and got us precisely what we needed to close on our home. 10/10 would recommend.
paul
paul
20:41 17 Jun 22
Jason has helped us for a number of years with several refinances. He was able to help manage our fairly complex financials into a package that give us our best value. We also trusted his recommendations on when to do the refinances. Lots of adversity and unpredictability out there. He's never let us down. I trust his integrity and capability 100%. I have no reason to go anywhere else thank you again
Heather H.
Heather H.
03:19 25 May 22
My husband and I cannot say enough good things about Express Capital. They helped us refinance our home in California and most recently, buy our new home in Washington state. Moving to a new state is stressful enough, let alone to an area with a highly competitive market, but Jason Santangelo helped us seal the deal on the very first home we put an offer on! He not only reached out to our realtor, but to the sellers’ realtor as well; we know this gesture made our offer even stronger. After our offer was accepted, Jason and Casey Porzio made everything a smooth, easy process. They quickly answered any questions we had, stayed in contact with our realtor throughout escrow, and even helped us to close early. Jason and Casey are incredibly knowledgeable, patient, understanding, and kind. Refinancing and home buying can be daunting tasks, but not when you have an honest, outstanding team on your side like Express Capital. They are quite simply the best!
Tim M.
Tim M.
04:51 20 Apr 22
My wife and I recently found ourselves in a situation where we stumbled onto the home of our dreams, but the seller needed a 30 day escrow. We weren't really planning on moving, but we knew that in this tough housing market we needed to move fast or we would miss out on this opportunity. We quickly put in an offer and it was accepted. With all this happening so fast, we knew that we would need to find a dependable lender that would not only get our funding in place quickly, but would also get us the best rate.We contacted Express Capital, explained our situation and they immediately went to work. Chris and his team quickly got back to us with excellent rate options and were able to get our loan funded on time and without any issues. We are super happy that we worked with Express Capital on the purchase of our new home. They really did an excellent job and we would recommend them to anyone looking for a reliable and friendly mortgage company.
Dennis K.
Dennis K.
17:56 18 Apr 22
We had the privilege of using Tom Neal's personable and professional services a few months back to refinance our home in Alexandria, Virginia. Tom is an extremely, knowledgeable professional that made the process extremely easy. We closed on our loan in less than 30 days (including the appraisal process). The settlement occurred at our home. Tom clearly articulated the pros and the cons for each facet of the process as it related to our application in a timely fashion. Tom always responded courteously and expeditiously to calls, texts, and emails. He provided us with a competitive rate with exemplary service. Without any reservation, we have referred Tom's services to others. Give Tom a call to chat about your situation, you will not regret it.Dennis and Carol K.Alexandria, Virginia
Taylor N T.
Taylor N T.
17:21 16 Apr 22
Michael was extremely helpful and patient with explaining the whole process of buying our first home! He was always on top of things and because of his knowledge of the market/world events that affect the housing market was able to lock us into our rate at the right time to get us the best interest rate we could have hoped for in this crazy market! Thank you Michael for helping us get to where we needed to be financially to buy our first home!
Bill C.
Bill C.
21:48 14 Apr 22
We've refinanced our loan probably 4 times since we initially bought our home and the last 2 have been with Express Capital. Before being referred to Jason at Express, we dealt with big name lenders who promised us (even in writing) rock-bottom rates and costs. In the end though, we never got the low rate, no-cost loan they promised because our "situation" didn't qualify. With Express, Jason asked all the pertinent questions upfront - it was clear he knew his stuff and he made it a point to educate us too. Transparent, honest, and delivered exactly on what he quoted. Can't ask for more. Don't be fooled by those low rate, no-cost advertisements - just go to Express.
Scott A.
Scott A.
20:32 14 Apr 22
Jason, Heather and the gang at Express Capital have been fantastic. Their attention to detail, efficient communication and diligence in helping us with our recent re-fi resulted in a smooth and stress free process. You really can't do any better in terms of customer service, follow up and just generally being good people.We've been long time clients of Jason and couldn't recommend him more highly. We look forward to a continued relationship with him!
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Top-Rated Mortgage Brokers in Tustin, California

Express Capital is located at 2552 Walnut Ave Ste 220, Tustin, CA, 92780. From Los Angeles International Airport (LAX) get on I-105 E and head west on W Century Blvd toward Vicksburg Ave. Then, turn left onto S Sepulveda Blvd and take the ramp onto I-105 E. Continue on I-105 E and take CA-91 E and I-5 S to Tustin Ranch Rd in Tustin. After that, take exit 101A from I-5 S and merge onto I-105 E. Take the exit onto I-605 S and use the right 2 lanes to take exit 7A to merge onto CA-91 E. Afterwards, use the right 2 lanes to take exit 24 to merge onto I-5 S toward Santa Ana and use the right 2 lanes to take exit 101A toward Tustin Ranch Road. Continue on Tustin Ranch Rd to your destination and turn right onto Tustin Ranch Rd. At this point, turn left at the 1st cross street onto Walnut Ave and turn right. Finally, turn left and Express Capital will be on the left.

We are open Monday to Friday 7:00 AM - 5:30 PM, and Saturday 8:00 AM - 3:00 PM.

For additional questions, you can call us (949) 751-6940 or find us at Yelp.

Apply Now for a Mortgage in California or Beyond

We are based in Tustin, and can work with you in Irvine, Long Beach, Anaheim, Los Angeles, and throughout the region. Express Capital also is licensed to work with customers in all 50 states. Wherever you are nationwide, we are ready to connect you with flexible financing for home purchase, refinance and more.

Ready to begin? Please give us a call today at (949) 751-6940 to schedule your consultation.